The article evaluates factors influencing loan pricing, focusing on mortgage loans and other types of loans. By analyzing loan data from 2007 to 2015, the study found that factors like loan amount, duration, borrower creditworthiness, and collateral affect loan prices. Interestingly, collateral doesn't significantly impact mortgage loan prices. The study also found that funding rates don't affect loan prices. The research provides insights into how different loan characteristics influence loan pricing for banks and borrowers.